Skip to content

Contracting in the Netherlands

Here’s everything you need to know about contracting in the Netherlands.

Our Solutions



Employer of Record

Local Partners

In each country, we work with leading local accounting and taxation experts to ensure that we and those who depend on us stay entirely within the law.

100% Compliant

We have the necessary licences, proven experience and demonstrable track record to provide you with all the national and international payroll, contract management, tax and immigration services that you need.

Global Presence

We have offices in Switzerland (Head Office), the United Kingdom, Germany, Luxembourg, Cyprus, China, India, Malaysia and the UAE.

Cost Efficient

We listen carefully to you, understand your personal requirements and needs, and then we collaborate with you to provide our services at reasonable prices.

About Us

Access Financial is the leading global provider of contract management, outsourced payroll and umbrella services. We offer customised and compliant solutions to corporate clients, recruitment agencies and professional contractors. We specialise in mitigating tax liability, fully subscribing to labour law and supporting immigration.


Please check out our FAQs below. Don’t see an answer to your question? Feel free to contact us

As a Dutch engager of contractors, you will be well aware of the Dutch law and penalties that await you if you do not observe Dutch employment and tax law recruitment companies.

You will be subject to the Dutch chain liability legislation (WKA) which means you can be held liable for your contract partners’ unpaid wage tax or social security contributions.

What can you do to limit these risks?

  • Probably the best that you can do is to make sure that your employed contractors are working via and employed by a NEN 4400 registered Payrolling Company registered with the KvK (The Netherlands Chamber of Commerce) and SNA (the Dutch Labour Standards Association)
  • You may also arrange to pay a portion of the funds you pay to the Payrolling Company in a G Account.

Suppose your contractors are using their own limited company. In that case, the Payroll Adviser BV can ensure that they are correctly registered and paying their taxes. We can also ensure that you are working with appropriate Model Agreements in place.

As from 1st January 2021, all contractors must, under the WAB (Balanced Labour Market Act 2020) receive an “Adequate Pension”.

The Payroll Advisor BV assures you of full compliance with this legal requirement.

Suppose you have a business outside the Netherlands and wish to employ staff in the Netherlands. In that case, The Payroll Advisor BV can give you a Professional Employer of Record (PEO) service.

You don’t need to incorporate a company in the Netherlands nor register your company as a foreign employer. The Payroll Advisor BV can act as your staff’s employer and work for your business.

The Payroll Advisor BV will ensure that all the employment requirements will be met and attend any HR issues. In return for an agreed fixed fee, we will attend to all the activities that need attention, and we will present you with monthly invoices for the costs of employment plus our fees. Nothing could be much more straightforward!

As a recruitment business, you will want to ensure that your contractors work lawfully in the Netherlands whether they are Dutch nationals or foreigners. All EU/EEA nationals can come to live and work without restriction in the Netherlands. All other citizens must have the legal right to work, and this may be through a work permit, European Blue Card, by family entitlement or Professional Card.

The Payroll Advisor BV can assist the contractor who requires it to obtain the legal right to work. After that, there are two ways that an employee can be structured compliantly, and these are:

  • Employment
  • Limited Company

Not everyone is eligible for all two solutions, and each has its advantages and disadvantages. The only way to establish the best method in a given case is to understand your requirements, clients’ wishes, and in the contractor’s best interests.

We demonstrate this by carrying out an in-depth fact find, and we believe that Access Financial Group is unique in using this methodology.

For many years the Netherlands has been an attractive location for contractors, and it has been a particularly amenable one for British contractors. From 1st January 2021 British people no longer have the right to live or work in the Netherlands. However, as a country in the Schengen Area, British people may spend up to 90 days in 180 days in the Netherlands for tourism or business purpose but not for gainful work. They will need a work visa as will any third-country national.

The Payroll Advisor BV can sponsor work permits and assist contractors in obtaining EU Blue Cards as well. Subject to having the legal right to work, there are essentially two ways to work legally in the Netherlands.

  • Employment
  • Limited Company

Not everyone is eligible for all two solutions, and each has its advantages and disadvantages, and the only way to establish the best method in a given case is to understand your requirements.

We demonstrate this by carrying out an in-depth fact find, and we believe that Access Financial Group is unique in using this methodology.

Foreign workers who have not worked in the Netherlands for the past ten years may be entitled to an expatriate tax concession, the 30% Ruling where 30% of the income is exempt from Dutch income tax and social security. The 30% Ruling once given can remain in force for up to 8 years.

If the tax authority refuses the 30% Ruling, the contractor may claim actual expenses against their tax bill. There are also generous relocation allowances available.

If you would like to discover your tax and net retention in Netherlands, you can easily use our free online income calculator.

Our Services

Our services are aimed at customer satisfaction, always ensuring the best value for money, compliance and maximum take-home pay possible in the Netherlands.



Work Permits &
Immigration Assistance

Employer of Record

Tax & Legal


We’re proud of what we do, but you shouldn’t just take our word for it. Here’s what our clients are saying about us.

Ahmed MohammediContractor

“After several years of collaboration with you, I regret to announce my departure from AF. It has been a real pleasure to have made this part of road with you, and I wish you full success with other collaborators. I regret my departure from your company, but the rules decided otherwise. If there is anything to remember about AF, it is the clarity, the honesty and the discretion. Thank you for all the good years spent with you and all the services you have given me.”

Cesare PittarelloContractor

“I’ve been using Access Financial services for more that one year and so far I’m fully satisfied with my choice. The company is providing prompt and valid support to all my needs as contractor and I recommend it.”

Roy HarrisHaricom Limited

“I want to take this opportunity to thank you for the good experience I’ve had the last 3 years working with AFS. I feel a sense of trust in AFS and for me that is what is most important in any business relationship.”


“I would like to thank Access Financial Team for all your help on my urgent matter. A special mention to Louise and her commitment to help me promptly and in any possible way, even by disturbing some of her annual leave. You’re very lucky to have such people within your team!”

Luke WilliamsSweden

“I want to thank Access Financial for your assistance with immigration without which my assignment would not have been possible. My special thanks to Team Europe, their service was very professional. They were always quick to respond, provide me with answers and solutions.”


“It was always a pleasure to work with AF. Before when I worked in Belgium and now in Germany, the service was always very pleasant. So yes, in the case I will need any umbrella company, I will surely contact only you.”

Mr. P. BorkarIreland

“It’s been a wonderful experience working with Access Financial”

Mr. B. DeanGermany

“When it comes to outsourcing payroll services Access Financial is my #1 go-to company. Thank you for your great support.”

Mr. G. BretonUK

“What I love about Access Financial is their commitment to speed, professionalism and constant support.”

Mr. P. TredwellLuxembourg

“If you are looking for someone to help you with contracting in EU, Access Financial would be an excellent choice.”


“I will let people know in my network with the services you provide. I like the transparency you work with.”

Our Partners

Each partnership is unique. We focus on creating long-lasting relationships with our partners.

Dutch Income & Tax Calculator 2023

Calculate your take-home pay in the Netherlands using our online income calculator below.

    This is the all-inclusive rate that you have agreed with your recruiter or client to pay you per day.
    Please estimate the average number of days you plan to work each month.
    Please provide the length of your assignment in months.
    The 30% ruling is a Dutch tax exemption for employees who were hired abroad to work in the Netherlands. If your situation meets various conditions, your employer can pay 30% of your salary as a tax-free allowance. The tax-free allowance is considered a compensation for the expenses that you incur by working outside your home country.
    Are you a national of an EU or an EEA country?
    By clicking Calculate, you agree to our Terms & Conditions and Privacy Policy

    Disclaimer: The calculation is an illustration based on various assumptions and is meant to provide an indication of what you may take home as net pay. For a more detailed projection please contact our customer support by clicking on the “TALK TO AN EXPERT” button above.

    Let us call you

    Please fill in the form below and we will contact you on short notice.

      By clicking Send, you agree to our Terms & Conditions and Privacy Policy